Madison County property record for 107 Duchess Dr, Madison, AL 35758
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,220 sqft · built 2014 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Oct 2025) |
| Tax Bill | $3,443 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit May 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-03-06-0-001-001.052 |
| Primary APN | 16-03-06-0-001-001.052 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,220 sqft Living Area |
| 1st Floor Area | 2,220 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,000 sqft (0.229 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 621112 |
|---|---|
| Street Address | 107 DUCHESS DR |
| City | MADISON |
| State | AL |
| Zip | 35758-6123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 53 APPLEWOOD PB # 20131122000741860 |
| Legal Range | 02W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | APPLEWOOD |
| Legal Lot Number | 53 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | MADISON |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 11024 |
107 Duchess Dr is owned and occupied by two individuals who bought it in October 2025.
Source: Madison County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 107 DUCHESS DR, MADISON, AL 35758-6123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED FEDERAL CREDIT UNION |
| May 28, 2024 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NATIONAL ASS |
| Oct 17, 2025 | Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Oct 22, 2020 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on File |
| Deed Sale | Oct 17, 2025 · Amount on File |
| Prior Sale | Dec 12, 2023 · Amount on File |
| Deed Book / Page | 2025 / 43387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Sep 23, 2026 |
| Property Address | 107 DUCHESS DR, MADISON, AL 35758-6123 |
| Document Number | 2026207873 |
| Book / Page | 2026 / 207873 |
| Instrument Date | Sep 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 107 DUCHESS DR, MADISON, AL 35758-6123 |
| Document Number | 2026207873, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 2026/207873 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 12, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 107 DUCHESS DR, MADISON, AL 35758-6123 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 107 DUCHESS DR, MADISON, AL 35758-6123 |
| Document Number | 0000080846 |
|---|---|
| Date | May 28, 2024 |
| Book Page | 2024/80846 |
| Name | MORGAN STANLEY PRIVATE BANK NATIONAL ASS |
|---|---|
| Address | 4270 IVY POINTE BLVD STE 400, CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2034 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Oct 17, 2025 |
| Property Address | 107 DUCHESS DR, MADISON, AL 35758-6123 |
| Document Number | 0000043387 |
| Book / Page | DEED2025 / 43387 |
| Map Reference | DOC20131122000741860 |
| Instrument Date | Oct 9, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9531 HEMLOCK DR SE, HUNTSVILLE, AL 35803-1160 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 107 DUCHESS DR, MADISON, AL 35758-6123 |
| Document Number | 2025197367 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025/197367 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 107 DUCHESS DR, MADISON, AL 35758-6123 |
| Document Number | 0000088733 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 107 DUCHESS DR MADISON AL 357586123, MADISON, AL 35758-6123 |
| Document Number | 0000088733 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | 88733 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 3, 2050 |
The 2026 property tax bill for 107 Duchess Dr was $3,443 with a homeowner's exemption, down 5% from the year before.
Source: Madison County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Municipality | Madison City |
| Unified School District | Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,443.00 (-4.97%) | ||
| 2025 | $3,623.00 Homeowner's exemption | $52,680 Land $8,500 Building $44,180 | $526,800 Land $85,000 Building $441,800 |
| 2023 | Homeowner's exemption | $48,100 Land $8,500 Building $39,600 | $481,000 Land $85,000 Building $396,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 107 Duchess Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 107 Duchess Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.4% of Alabama |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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